Ungabheka Kanjani Uma Umhlinzeki Wakho We-Bitcoin Unelayisense FSCA, Futhi Kungani Kubaluleke Kakhulu Kunokuba Ucabanga Ngayo

Ukuthi umhlinzeki we-Bitcoin waseNingizimu Afrika unelayisensi ye-FSCA isheke elilodwa elinquma konke okunye. Kwenze ngaphambi kokuthi kuhambe irandi elilodwa futhi izindlela eziningi okonakala kuzo zivale ngemuva kwakho. Yeqe futhi wethemba iwebhusayithi. Irejista imahhala ukuseshwa. Ukweqa kuyinto exakile ukwenza ngemali yomndeni wakho.

Ngicelwa ukuthi ngincome ukushintshanisa amaviki amaningi. Impendulo yami yokuqala akulona neze igama. Kungumbuzo obuyayo: ingabe umbhekile umhlinzeki kwirejista ye-FSCA okwamanje. Izikhathi eziyisishagalolunye kweziyishumi umuntu engakaze, ngoba akekho owabatshela ukuthi irejista isesidlangalaleni, noma ukuthi ukuyihlola kuwumehluko phakathi kokuba neBitcoin nokubamba isithembiso kumuntu ongamazi.

Ngakho ake ngikutshele.

Uzihlolela kanjani irejista

I-Financial Sector Conduct Authority yenza ukusesha esidlangalaleni kwabo bonke abahlinzeki bezinsizakalo zezezimali abagunyaziwe ezweni. Awudingi i-akhawunti, imali noma imvume yanoma ubani ukuze uyisebenzise. Vula i-fsca.co.za, thola ukusesha kwabahlinzeki bezinsizakalo zezezimali abagunyaziwe, futhi ungabheka inkampani eqinile ngenombolo yayo ye-FSP noma igama lenkampani elibhalisiwe.

1. Buza umhlinzeki ngenombolo ye-FSP abasebenza ngaphansi kwayo. Inkampani enelayisensi ikunikeza emugqeni owodwa. Ukungabaza lapha sekuvele kuyimpendulo.
2. Sesha leyo nombolo ye-FSP, noma igama elibhalisiwe, kurejista FSCA ku-fsca.co.za.
3. Funda okubuyayo. Hlola ukuthi ibhizinisi liyasebenza, ukuthi izimpahla ze-crypto zivela phakathi kwemikhiqizo egunyazwe yona, nokuthi ummeleli noma ummeleli wezomthetho osebenza naye ufakwe ohlwini ngaphansi kwayo.

Leso sinyathelo sokugcina yileso abantu abahlale besikhumbula. Ifemu ingaba nelayisensi ephelele kuyilapho umuntu okudayisela i-Bitcoin engaboshiwe kuyo nganoma iyiphi indlela irejista eyibona. Lelo gebe libonakala ngokusobala kurejista uqobo uma wazi ukuthi uyolifuna. Wonke umsebenzi uthatha imizuzu emibili ukusuka ekuqaleni kuze kube sekugcineni futhi ungumshwalense oshibhe kakhulu noma yikuphi kuyo yonke inqubo.

Lapho imithetho empeleni yashintsha

Akukho kulokhu obekukhona ngendlela esebenzisekayo kuze kube muva nje, okufanele ukukhunjulwe uma othile ekutshela ukuthi imboni ibilokhu ingaphezu kwamandla. Ngomhla ziyi-19 kuMfumfu wezi-2022 i-FSCA yashicilela iSaziso Esijwayelekile 1350 futhi yamemezela izimpahla ze-crypto njengomkhiqizo wezezimali ngaphansi koMthetho Wokwelulekwa Kwezezimali kanye Nomphakathi Wezinkonzo (FAIS). Kusukela ngalolo suku noma ubani oweluleka abantu baseNingizimu Afrika nge-Bitcoin noma ebathengisela yona wayedinga ilayisense, noma kwakudingeka asebenze njengommeleli wefemu eyibambe. Iminyaka eyishumi yokuhlehla nokuyibiza ngokuthi indawo empunga yayiphelile.

Ezinyangeni ezimbili kamuva inetha laphinda laba banzi. Izichibiyelo zoMthetho Wesikhungo Sobuhlakani Bezezimali zaqala ukusebenza ngomhla ka-19 no-31 Disemba 2022 futhi zengeza abahlinzeki besevisi ye-crypto asset njengezikhungo eziphendulayo, kwehlise isisindo esigcwele se-FICA kulo mkhakha. Ngomhla ziyi-10 kuFebruwari 2025 i-Financial Intelligence Centre yayinabahlinzeki be-crypto abangu-256 ababhalisiwe ngaphansi kwaleyo nto. Kulandelwe uMthetho Wokuhamba, ne-FIC's Directive 9's Directive 9's izoqala ukusebenza ngomhla ka-30 Ephreli 2025 futhi idinga ukuthi ulwazi lomthumeli nomamukeli luhambe nokudluliswa kwemali phakathi kwabahlinzeki.

Ngibhale inguqulo egcwele yalo mugqa wesikhathi ku ucezu lwami lokuhambisana nokulawulwa kweBitcoin eNingizimu Afrika, ngoba ukulandelana kukutshela ngaphezu kwanoma iyiphi idethi eyodwa. Zonke lezo zinyathelo zikhona ukususa ubungozi eklayentini futhi kumhlinzeki, futhi ngasinye sazo sivela kurejista njengefemu eyenze umsebenzi noma engawenzanga.

Yini ilayisensi empeleni ephoqa umhlinzeki ukuthi akwenze

Ilayisensi akusona isitembu senjoloba. Ukuze ubambe eyodwa, umhlinzeki kufanele asule isethi yezidingo ezibeka imephu cishe ncamashi ezindleleni amaklayenti ayekade esulwa ngazo, futhi kufanelekile ukuqonda ngayinye yazo ngoba ichaza ukuthi kungani isheke lingelona iqiniso.

Abantu abaqhuba ibhizinisi kufanele bafaneleke futhi bafanele. Abantu ababalulekile kufanele banelise ukwethembeka kanye nezidingo zokuma okuhle ngaphansi kokufaneleka kwe-FAIS nokuzimisela okufanele, babe neziqu ezifanele ze-crypto futhi babhale izivivinyo zokulawula. Leso sihlungi esisodwa sisusa isigaba somsebenzisi ovele aphrinte amakhadi ebhizinisi futhi aqale ukuthatha amadiphozithi. Akuyona ibha ephezulu enkampanini ebucayi. Kuyinto engadluleki kushansela, okuyiyona nhloso yayo.

Inkampani kufanele ibe namandla ngokwezimali. Lokho kunikeza umlawuli umbono wokuthi angakwazi yini ukuhlangabezana nezibopho zakhe esikhundleni sokusebenzisa imali yeklayenti elilandelayo ukuze akhokhe yokugcina. Iyona kanye indlela yokwehluleka eyehlise ingxenye yamagama adumile kulo mkhakha. Umhlinzeki ofakazela i-solvency yakhe kumphathi njalo ngonyaka akakwazi ukuba yi-Ponzi buthule.

Bese kuza imfuneko ethwala isisindo esiningi futhi enganakwa kancane, ngakho ngizochitha isikhashana kukho. Ngaphansi Kwekhodi Ejwayelekile Ye-FAIS, izimpahla zeklayenti eziphethwe umhlinzeki kufanele zibonakale kalula kumhlinzeki ngokwakhe. Umthetho Wokuvikela Izikhungo Zezezimali uya phambili futhi uphatha i-Bitcoin egcinwe esitokisini esiphephile njengempahla ethenjwayo, ngaphansi kwalowo Mthetho engeke nakancane ibe yingxenye yempahla yesikhungo esiyiphethe. Umhlinzeki onelayisense kufanele futhi athumele umbiko womcwaningi mabhuku unyaka ngamunye oqinisekisa ukuthi imali yeklayenti nempahla yeklayenti bezigcinwa zihlukene kulo lonke. Ngokusobala, i-Bitcoin yakho ibiyelwe ngokusemthethweni. Uma inkampani ingena ngaphansi, i- liquidator yayo ayikwazi ukufinyelela ngaphesheya kwalolo thango ukuze ukhokhe izikweletu zefemu ngezinhlamvu zakho zemali. Emsamo ongagunyaziwe akukho cingo. I-Bitcoin yakho ihlala eshidini lebhalansi yenkampani, okusho ukuthi uma inkampani yehluleka uyeka ukuba umnikazi futhi ube umbolekisi ongavikelekile oklelile ngemuva kwawo wonke umuntu ngengxenyana yalokho okufakayo.

Yini oyiyekayo uma ilayisensi ingekho

Umlando walapha awulona ithiyori futhi awugcini nje ngokuba ngowangaphandle. I-Mt Gox kanye ne-FTX ngamathuna adumile, kodwa iNingizimu Afrika izimbele awayo, futhi amakhasimende ashaye ulayini ngaphandle kwalawo mathuna asendaweni ayengokoqobo njengawo wonke umuntu e-Tokyo. Uchungechunge olujwayelekile kuwo wonke umuntu lushoda ngokuqondisa. Izimali zamaklayenti zahlanganiswa nezimali zenkampani. Amashidi ebhalansi ayengenamali buthule isikhathi eside ngaphambi kokuba kuvalwe iminyango. Futhi ezimweni ezimbi kakhulu opharetha bavele bashiye imali, okungekho ubuchwepheshe obuhlakaniphile obungakwazi ukuhlehlisa ngemuva kweqiniso.

Umhlinzeki ongenalayisense uhlala ngaphandle komjikelezo ngokuphelele. Akekho umphathi ohlola izincwadi zayo. Ayikho ikhodi yokuziphatha ephoqelelwayo ngokumelene nayo. Ngakho-ke ukuvikelwa kwamakhasimende okubalulekile okugcina iklayenti liphephile, imithetho yokuhlukanisa kanye nomsebenzi wokwenza izinto ozithakaselayo, akusetshenziswanga nhlobo kukho. Uma izimpahla zinyamalala ngokugetshengwa kwempahla noma ukuwa noma umsunguli oyeka ukuphendula ifoni yakhe, asikho isibopho esingokomthetho kulowo mhlinzeki ukuze akwenze uphelele. Ayikho into eyiphoqayo ukuthi iphakamise umunwe. Usale uthembele ekuthandeni kwayo, nokuyinto encane ukuncika kuyo uma imali isihambile.

Inzuzo yingxenye abantu abayazisa kuphela uma bebheka emuva.

Ngomhlinzeki onelayisensi unendawo ongaya kuyo uma okuthile kwephuka. Kunenqubo yezikhalazo yangaphakathi ongayibambela yona inkampani, ukwenyukela ku-ombud wezezimali uma lokho kungaphumeleli, futhi ngemuva kwakho kokubili umlawuli onamazinyo angempela. I-FSCA ingamisa okwesikhashana noma ihoxise ilayisensi futhi ivimbele abantu abanesibopho embonini ngokuphelele. Emacaleni abucayi ingaya eNkantolo Ephakeme futhi iqokwe umqaphi ukuthi abambe ukulawula ibhizinisi futhi avikele noma yiziphi izimpahla zeklayenti ezisele. Ayikho kuleyo mishini ekhona yefemu irejista engakaze yezwe ngayo. Okuwukuphela kwekhambi lakho elimelene nenkampani engekho onelayisensi ukuqulwa kwamacala enkantolo, okuhamba kancane futhi okumba eqolo ngezikhathi ezinhle kakhulu futhi kucishe kungabi nathemba lapho elinye iqembu kuvela ukuthi liyinkampani yamagobolondo kwenye indawo enewebhusayithi futhi kungekho lutho ngemuva kwayo.

Amarisidi anendaba nalapha. I-Bitcoin eqinisekisiwe, ebhalwe phansi ingabhanga i-Bitcoin, futhi irekhodi elibhaliwe umhlinzeki onelayisensi elikhiqizayo liwumzila ofanayo ogcina i-SARS kanye nebhange lakho lanelisekile eminyakeni eminingi kamuva. Ngibeke lelo cala layo phakathi umhlahlandlela wami wokuthobela i-FICA kubathengi be-Bitcoin.

Kodwa uhlelo lwabo lokusebenza lubukeka luchwepheshe kakhulu

Ikhasimende laseKapa lake langithumelela isixhumanisi senkundla elalizokhipha isamba esibucayi futhi langibuza ukuthi ngicabangani. Indawo yayiyinhle. Amashadi ahlakaniphile, ubufakazi, umsunguli ogqoke isudi ekahle ekhuluma nekhamera mayelana nokuphepha. Ibukeke ipholishelwe kakhulu kunezinkampani eziningi ezinamalayisense engizaziyo.

Yayingekho kurejista.

Hhayi ngaphansi kwanoma yiliphi igama engalithola, hhayi ngaphansi kwanoma iyiphi inombolo ye-FSP, futhi yayingekho inombolo enikezwe noma kuphi kusayithi ukuze yiseshwe. Isabelomali sokuklama besingene ezingxenyeni ezibonwa isivakashi futhi akukho nesisodwa saso ezingxenyeni ezihlolwa umlawuli. Wayeyigcina imali yakhe. Abangane bakhe ababili, wangitshela kamuva, akazange, futhi wafunda isifundo ngendlela ebizayo.

Lesi isicupho irejista eyakhelwe ukubamba. Iwebhusayithi ibiza impelasonto kanye nesifanekiso. Ilayisensi ibiza ukucwaningwa kwamabhuku, umsebenzi wokuthobela imithetho kanye nebhizinisi elingasinda lapho lihlolwa. I-FSCA isixwayise izikhathi ezingaphezu kwesisodwa mayelana nabakhwabanisi abahlanganisa abahlinzeki abasemthethweni futhi baze basebenzise amavidiyo akhiqizwe nge-AI abantu baseNingizimu Afrika abaziwayo ukuze bathengise izinkundla ezingekho. Ngeke ukwazi ukuhlukanisa okwangempela kwamanga ngokubheka, ngoba ukubuka ikona kanye lokho okungelona iqiniso okuklanyelwe ukuphila. Ungabahlukanisa ngokusesha, okuyinto umgunyathi ongeke uphile ngayo nhlobo.

Umbuzo wokushintshaniswa kwe-offshore

Iningi labantu baseNingizimu Afrika liphethe i-Bitcoin ekuhwebeni okukhulu kwamazwe ngamazwe okuphendula i-FCA yase-UK noma i-MAS yase-Singapore kodwa abanayo ilayisensi ye-FSCA. Leso isimo esihluke ngempela ekusebenziseni inkampani engekho olawula noma kuphi. Ukushintshana okujulile ngaphansi komlawuli wangaphandle othembekile kusebenza ngaphakathi kohlaka lwangempela. Ukuhlukaniswa kwayo kanye nezindinganiso zayo zokusebenza kungase kube kuhle njenganoma yini ongayithola lapha ekhaya. Ngeke ngizenzise ngenye indlela.

Ukuhwebelana kungokwendawo. I-Bitcoin ewela umngcele manje iwela ngaphansi kokulawulwa kokuhwebelana, ngakho-ke imali eshiya futhi ibuya iyibhizinisi lomlawuli ngendlela eyayingeyona eminyakeni embalwa edlule. Ukuthenga kwakho endaweni yangaphandle kuhlala kuyizehlakalo ezikhokhiswa intela kumhlali waseNingizimu Afrika kungakhathaliseki ukuthi ukuhwebelana kuhlala kuphi. Futhi noma iyiphi ingxabano kufanele ilwe endaweni yomhlinzeki kuneyakho, okuyimpi ehluke kakhulu uma kwenzeka enkantolo ongasoze wayibona. Kuklayenti elifuna lezo zinkinga zinyamalale, umhlinzeki wendawo onelayisensi uyindlela emfushane. Lokhu ukukhetha okufanayo okudlulayo umehluko phakathi kokuzigcina wena kanye nokushintshisana ngokugcinwa: uzimisele kangakanani ukuboleka imali yakho, futhi kubani.

Kusho ukuthini ukunikwa kwami ilayisense, nokuthi ngingayibheka kanjani

Ngizibambele kulesi sivivinyo engicela usigijime. I-SimplB isebenza njengoMmeleli Wezomthetho we-CAEP Asset Managers, ephethe inombolo ye-FSP 33933 kanye namalayisense eSigaba I kanye nesesi-II somhlinzeki wesevisi ye-crypto asset ahlanganisa ukuhwebelana nokuhlala kanye nezeluleko. Leso sakhiwo yiso esingivumela ukuthi ngidayisele i-Bitcoin njengomsebenzi wezezimali olawulwayo esikhundleni sokuxhawulana, futhi kubeka izikhulu zokuthobela umthetho kanye nabacwaningi mabhuku bangaphandle phakathi kwamakhasimende ami nanoma yisiphi isilingo sokunqamula ekhoneni. Ngibheka indlela lokho okulolonga ngayo wonke umsebenzi lokho i-SimplB ekunikezayo ngokuvikeleka, ukuthobela umthetho kanye nokugcinwa.

Ungathathi izwi lami ngakho. Sesha u-33933 kurejista ye-FSCA futhi ufunde ukuthi yini ebuyayo, njengoba nje ngicele ukuthi wenzele omunye umuntu. Iphuzu lerejista yomphakathi ukuthi ukwethenjwa kuba ngokuzikhethela.

Imakethe lapha isikhule yadlula izaba zokuthi imithetho ibingacacile. Asisekho isizathu esihle sokuthumela imali kumhlinzeki ongenalayisensi, futhi kukhona zonke izizathu zokuchitha imizuzu emibili uqinisekisa ukuthi awukho. Hlola irejista kuqala. Kuyinto ewusizo kakhulu ongayenza ngaphambi kokuba ube ngumnikazi we-satoshi eyodwa.